Hamilton/HFC/Endeavour - Reclaim PPI

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Let us know what response you get for the distress compo request. Quote and refer to the numerous rejection letters and add, also, that part of that relates to your out of pocket expenses - all those letters, recorded posts, stationery, printer ink etc.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you so much Tuttsi, and with the back for forthing to the FOS since 2008 as well.
The fact they also gave the wrong details to the FOS, which again is so wrong, maybe I should mention about this distress payment to the Adjudicator as well, meanings I have already emailed him the copy of the upheld letter, and he also has the copy of the complaint letter we send with the reclaim questionnaire to HFC.

So maybe I should make HFC aware they missed the part of the further redress and list all the reasons for why I believe they should be paying this?

Thank you for all your amazing support x

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I agree with TDS, the years of rejection which has caused you all kinds of distress and illness and especially if you have all the correspondence to back up the rejections I would go for compensatory interest + out of pocket expenses. Yes postage and time in dealing with all of this will come to a fair amount of hours and you should be fully compensated for this as well.

Hmm yes indeed TDS, that is so true, and funnily enough I found even more old letters of rejections from them over the years lol, quite a few actually and maybe I should forward them copies of them all, as this has taken time with writing, postage/stamps and so on, it all adds up.

CEO it will be, its the same CEO as HSBC and the same one that have been getting back to me, she has been ok though

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You have all been absolute diamonds, thank you all so much.

I will try to get a letter together later on, need a clear head first though, had a rough night last night with only about 2 hours sleep :tinysmile_cry_t:, nope not booze related (I wish lol), but one of the nights, my son (with needs) would not settle.

I am wondering if I should also mention about my Blood pressure, because my I am now taking 2 lots over the last year, my GP thinks its genetic but stress issues does not help either.
I have been on BP meds for some years now, and of course hubby was on depression meds from 2007 and weaned down in 2009 but all this did not help on constantly being rejected.

Any ideas on the wording folks?
Sorry for asking for more help again, as you've all been so fab with this complexed case of mine, cheers all xx

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Take a firm line with them because you have had years of distress and they have made it very, very difficult for you. Do a CEO email.

Hmm yes indeed TDS, that is so true, and funnily enough I found even more old letters of rejections from them over the years lol, quite a few actually and maybe I should forward them copies of them all, as this has taken time with writing, postage/stamps and so on, it all adds up.

CEO it will be, its the same CEO as HSBC and the same one that have been getting back to me, she has been ok though

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Take a firm line with them because you have had years of distress and they have made it very, very difficult for you. Do a CEO email.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You should now DEMAND compo for distress and inconvenience. If HFC do not agree to this then make the FOS re-open nthe complaint, which they can do.

Cheers TDS

Just wondering though, I have 6 weeks on this now to accept at most, and I suppose I could say that I note on the letter nothing about further redress for the inconvenience not mentioned, and as this was also requested for alongside with the complaint going in my favour, that if they will also consider this as well as a further separate payment.

The only issue I have here, is that they may come back and say as they were not regulated when we taken out the loan, the FOS will not take the case on.
Even though they will under the underwriter, but yet that may still be a difficult one. They probably state they did not actually have to compensate at all because they were not regulated.

No harm in writing to them about this though, cheers.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Wonder what the Adjudicator will think now? lol shame he didn't think to do what I did to get this resolved or try to. On the other hand the adjudicator confirmed that the business previously gave him the wrong info too, but I did send him paperwork to prove all this to him before didn't I? I did request for further redress for the inconvenience caused on my complaint, but nothing of that at all mentioned in the letter offer.

I have however, emailed him with the copy of the letter, but before we sign anything I want to make sure the figures are correct, but am hopeless at maths lol .

I do think they upheld it because of writing to them about the misleading advice they gave with help from you fantastic guys on here, thank you. x:tinysmile_kiss_t4::tinysmile_kiss_t4:

You should now DEMAND compo for distress and inconvenience. If HFC do not agree to this then make the FOS re-open nthe complaint, which they can do.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Wonder what the Adjudicator will think now? lol shame he didn't think to do what I did to get this resolved or try to. On the other hand the adjudicator confirmed that the business previously gave him the wrong info too, but I did send him paperwork to prove all this to him before didn't I? I did request for further redress for the inconvenience caused on my complaint, but nothing of that at all mentioned in the letter offer.

I have however, emailed him with the copy of the letter, but before we sign anything I want to make sure the figures are correct, but am hopeless at maths lol .

I do think they upheld it because of writing to them about the misleading advice they gave with help from you fantastic guys on here, thank you. x:tinysmile_kiss_t4::tinysmile_kiss_t4:

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you, you have all been a wonderful help and so amazing, cheers all XXXX:tinysmile_kiss_t4:

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Well done Di ,
and all those that helped her......

xxxx

Re: Hamilton/HFC/Endeavour - Reclaim PPI

WON

UPHELD!!!

Will post details up later, a battle getting there, but with my letter they received just a few days ago they upheld on that.............PHEW!!

well done girl, good for you. massive win and hard fought. perseverance is key. inspirtational!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I am not sure if it was worked out by using the Rule of 78, I maybe getting confused.

But found some details here of when this was settled.

The settlement date used in calculation of the rebate is 30 November 2005, it has been calculated in accordance with Regulation 3 of the Consumer Credit (Settlement Information) Regulations 1983.

The amount of insurance rebate has been calculated having regard to the Consumer Credit (Rebate on Early Settlement) Regulations 1983.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you Turbo x:tinysmile_kiss_t4:

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

on your case gal-lol

Thank you folks.

I am not the one for calcs though so not even sure if this is correct.

But do have these details here.

Loan was from 30/08/2004 to 30/10/2005 Settled early.

So the first repayment was above as the loan was taken out the month before on 30 July 2004.

Loan £21 000 300 months
PPI £2835
Total loan - 23835
when settled they gave a part rebate of around £1553. 69 (Rule of 78)
Interest Rate 9.52 % per annum fixed for the first 12 months, and thereafter variable.
9.9 %

Monthly loan repayment £208.51

They did not actually give a detailed breakdown of this letter though but worded it like this......

Premiums paid from 30/08/2004 to 30/10/2005 £1,771.54
Plus 8% interest at 8% £847.46
Total refund - £2,619.00

When we settled the loan in full we paid £23646.04